Abstract: A system for providing a guarantee within a deferred annuity for insuring a security against a change in value of the security is disclosed which comprises a computer system configured to have entered information related to a security to be insured by the guarantee within the deferred annuity, the computer system configured to prepare the guarantee within the deferred annuity based upon the entered information related to the security to be insured, the deferred annuity having an account value, and the security to be insured being held in an account separate from the account value of the deferred annuity.

Abstract: A system for providing a guarantee within a deferred annuity for insuring a security against a change in value of the security is disclosed which comprises a computer system configured to have entered information related to a security to be insured by the guarantee within the deferred annuity, the computer system configured to prepare the guarantee within the deferred annuity based upon the entered information related to the security to be insured, the deferred annuity having an account value, and the security to be insured being held in an account separate from the account value of the deferred annuity.

Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: A Risk Assessment Company (RAC) maintains an up to date Risk Profile Data Base (RPDB) on its members based on their normal periodic updates to the RPDB. The Risk Assessment Company, therefore, can provide risk assessment results which can be utilized by a plurality of insurance carriers to determine an appropriate underwriting class for individual user subscribers who apply for insurance. The Risk Assessment Company can also provide a member with a risk assessment result report containing suggestions on how said person can better manage his or her risk exposure.

Abstract: A Risk Assessment Company (RAC) maintains an up to date Risk Profile Data Base (RPDB) on its members based on their normal periodic health checkups. The Risk Assessment Company, therefore, can offer life or health insurance policies from a plurality of carriers to any given member at any given time based on the underwriting class determined by the data in the Risk Profile Data Base. The Risk Assessment Company can also provide a member with a life or health expectancy report containing suggestions on how said person can improve his or her life or health expectancy.